Affordable Rates for Buick LaCrosse Insurance in Raleigh

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Discount Buick LaCrosse insuranceAre you tired of trying to find low-cost Buick LaCrosse insurance in Raleigh? No sane person likes buying auto insurance, especially knowing the cost is too high.

Surprisingly, a recent survey revealed that most auto insurance policyholders renewed their policy with the same company for at least four years, and almost 40% of drivers have never compared rates with other companies. North Carolina consumers could save an average of roughly $94 each year just by shopping around, but they think it's difficult to find lower-cost auto insurance rates.

How to find affordable Buick LaCrosse insurance in Raleigh

The best way to get low-cost auto insurance rates is to compare quotes annually from different companies who sell auto insurance in Raleigh. You can compare rates by following these guidelines.

  • First, it will benefit you to learn about the coverage provided by your policy and the factors you can control to drop your rates. Many policy risk factors that result in higher prices like multiple speeding tickets and an imperfect credit history can be amended by making lifestyle changes or driving safer. Later in this article we will cover information to help prevent expensive coverage and get discounts that may be overlooked.
  • Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO and State Farm, while agents who are independent can quote rates for a wide range of companies. Click to view companies
  • Third, compare the new rate quotes to your current policy premium to see if cheaper LaCrosse coverage is available. If you find a better price and make a switch, ensure there is no coverage lapse between policies.
  • Fourth, provide notification to your current agent or company of your decision to cancel your current policy. Submit payment and a completed application to the new company. When you receive it, place your new proof of insurance certificate above your visor, in the console, or in the glove compartment.

The most important part of shopping around is to use the same physical damage deductibles and liability limits on each price quote and to quote with as many car insurance companies as possible. Doing this helps ensure an apples-to-apples comparison and a good representation of prices.

Big companies like GEICO, 21st Century and Progressive constantly blast consumers with advertising and it can be hard to avoid their marketing magic and effectively compare rates to find the best deal.

If you have insurance now, you will most likely be able to reduce the price you pay using the techniques presented in this article. Locating the most cost-effective auto insurance policy in Raleigh is much easier if you know where to start. Although North Carolina consumers need to learn how the larger insurance companies sell online because it can help you find the best coverage.

Companies offering Buick LaCrosse insurance in Raleigh

The following companies provide quotes in Raleigh, NC. To get the cheapest auto insurance in Raleigh, NC, we recommend you get price quotes from several of them to get a more complete price comparison.

Analysis of coverages

The premium table shown below highlights estimates of insurance premium costs for Buick LaCrosse models. Having knowledge of how insurance policy rates are calculated can be valuable when making smart choices when selecting a coverage provider.

Buick LaCrosse Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $174 $300 $256 $16 $76 $822 $69
Lacrosse CXL $174 $354 $256 $16 $76 $876 $73
Lacrosse CXL AWD $174 $354 $256 $16 $76 $876 $73
Lacrosse CXS $192 $354 $256 $16 $76 $894 $75
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can raise or lower auto insurance rates considerably.

Policy deductibles

One of the more difficult decisions when buying insurance is how high should the deductibles for physical damage be. The figures shown below can help you understand the difference in cost when you buy lower versus higher deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.

Buick LaCrosse insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $242 $386 $212 $12 $64 $941 $78
Lacrosse CXL $242 $456 $212 $12 $64 $1,011 $84
Lacrosse CXL AWD $242 $456 $212 $12 $64 $1,011 $84
Lacrosse CXS $270 $456 $212 $12 $64 $1,039 $87
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Buick LaCrosse insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $134 $204 $212 $12 $64 $626 $52
Lacrosse CXL $134 $240 $212 $12 $64 $662 $55
Lacrosse CXL AWD $134 $240 $212 $12 $64 $662 $55
Lacrosse CXS $150 $240 $212 $12 $64 $678 $57
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Information does not factor in vehicle garaging location which can raise or lower coverage prices greatly.

Based on these figures, using a $100 deductible costs approximately $28 more each month or $336 every year across all Buick LaCrosse models than requesting the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 32 months between claim filings, you would probably save some money if you decide on a higher deductible.

Comparison of insurance rates by gender and age in Raleigh

The information below illustrates the difference between Buick LaCrosse insurance prices for male and female drivers. The premium estimates are based on no claims or driving citations, comp and collision included, $500 deductibles, single marital status, and no other discounts are factored in.

Affordable rates on Buick LaCrosse insurance in Raleigh with these car insurance discounts

Car insurance companies don't always publicize the complete list of policy discounts very well, so the list below gives a summary of some of the best known as well as some of the hidden credits available to you.

  • Telematics Data Discounts - Insureds that choose to allow data collection to track where and when they drive remotely such as In-Drive from State Farm or Allstate's Drivewise system could see a rate decrease if they exhibit good driving behavior.
  • Multiple Policy Discount - If you combine your homeowners and auto policies and insure them with the same company you could earn a discount of approximately 10% to 15%.
  • Student Discount for Driver Training - Teen drivers should enroll and complete driver's education if it's offered in school.
  • Senior Citizen Rates - If you qualify as a senior citizen, you may be able to get better car insurance rates.
  • Seat Belt Discounts - Drivers who require all occupants to fasten their seat belts can save 10% or more off the personal injury premium cost.

As a footnote on discounts, most discount credits are not given to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you're out of luck.

The information below shows the comparison of Buick LaCrosse insurance costs with and without policy discounts. The premium estimates are based on a male driver, no violations or claims, North Carolina state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, multi-car, homeowner, and claim-free discounts applied.

A few popular companies and some of the premium reductions they offer are detailed below.

  • State Farm may have discounts that include Drive Safe & Save, multiple policy, anti-theft, safe vehicle, accident-free, good student, and multiple autos.
  • GEICO may offer discounts for driver training, federal employee, multi-policy, daytime running lights, and seat belt use.
  • Liberty Mutual discounts include new vehicle discount, new graduate, multi-policy, new move discount, and preferred payment discount.
  • The Hartford may include discounts for good student, anti-theft, air bag, driver training, bundle, and defensive driver.
  • MetLife offers discounts including good student, multi-policy, accident-free, claim-free, defensive driver, good driver
  • Progressive offers discounts for online signing, online quote discount, continuous coverage, multi-policy, homeowner, and multi-vehicle.

If you are trying to find affordable Raleigh car insurance quotes, ask all companies you are considering which discounts you qualify for. Discounts might not be offered on policies in your state.

You may want advice from a local insurance agent

Many people just prefer to get professional advice from a licensed agent and that is not a bad decision The best thing about comparing rate quotes online is that you can obtain lower rates and also buy local.

Find insurance agent in RaleighOnce you complete this simple form, your insurance data is emailed to companies in Raleigh that can provide free Raleigh car insurance quotes for your insurance coverage. It makes it easy because there is no need to visit any agencies since rate quotes are delivered to the email address you provide. You can find the lowest rates without requiring a lot of work. If you have a need to quote rates from a particular provider, you would need to jump over to their website and fill out the quote form the provide.

Finding the right provider shouldn't rely on just a cheap price quote. Before buying a policy in Raleigh, get answers to these questions.

  • Do they see any coverage gaps in your plan?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Are they paid to recommend certain coverages?
  • Do they assist clients in filing claims?
  • Will the company cover a rental car if your car is getting fixed?

When looking for local Raleigh agents, you must know there are a couple different agency structures and how they are distinctly different. Auto insurance policy providers are either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agents

These type of agents can only provide pricing for a single company and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agents cannot place coverage with different providers so you need to shop around if the rates are high. Exclusive agencies are usually well trained on what they offer and that enables them to sell even at higher rates.

Listed below are exclusive insurance agents in Raleigh willing to provide price quotes.


8201 Rowlock Way Suite 112 - Raleigh, NC 27613 - (919) 782-3333 - View Map


5603 Creedmoor Rd - Raleigh, NC 27612 - (919) 782-6666 - View Map

John Hill - State Farm Insurance Agent
7320 Six Forks Rd #200 - Raleigh, NC 27615 - (919) 848-0644 - View Map

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Independent Agencies or Brokers

These type of agents often have many company appointments so they can write business with multiple insurance companies and find you cheaper rates. If your agent finds better pricing, they simply switch companies in-house which requires no work on your part. If you are comparing auto insurance prices, we recommend you get insurance quotes from independent agents to ensure the widest selection of prices.

The following are independent insurance agencies in Raleigh that can give you rate quotes.


2308 Wake Forest Rd - Raleigh, NC 27608 - (919) 832-5832 - View Map


3741 Benson Dr - Raleigh, NC 27609 - (919) 790-6415 - View Map


101 Weston Oaks Ct - Cary, NC 27513 - (919) 828-4371 - View Map

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Best auto insurance company in North Carolina

Finding a highly-rated car insurance provider can be challenging considering how many different insurance companies sell coverage in North Carolina. The information displayed below can help you pick which car insurance providers to look at when shopping your coverage around.

Best Auto Insurance Companies in Raleigh
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

More comparisons equals cheaper rates

Cheap Buick LaCrosse insurance in Raleigh can be found from both online companies in addition to many Raleigh insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance providers do not offer price quotes online and many times these regional carriers only sell coverage through independent agents.

As you shop your coverage around, it's very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced liability limits or collision coverage only to regret at claim time that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage at an affordable rate, but don't skip important coverages to save money.

In this article, we covered many ideas to lower your Buick LaCrosse insurance prices in Raleigh. The key thing to remember is the more providers you compare, the better your comparison will be. You may even be surprised to find that the lowest prices come from a company that doesn't do a lot of advertising. Some small companies may cover specific market segments cheaper than the large multi-state companies such as State Farm, GEICO and Nationwide.

Steps to finding cheaper quotes for Buick LaCrosse insurance in Raleigh

The best way to get more affordable Buick LaCrosse insurance is to do an annual price comparison from providers who provide auto insurance in Raleigh. Drivers can shop around by following these steps.

  1. Take a little time to learn about auto insurance and the steps you can take to prevent expensive coverage. Many rating factors that result in higher prices such as accidents, careless driving, and a bad credit rating can be eliminated by making lifestyle changes or driving safer.
  2. Obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or Allstate, while agents who are independent can quote rates for many different companies. Start a quote
  3. Compare the new quotes to your current policy premium to see if a cheaper price is available in Raleigh. If you find a lower rate quote and change companies, make sure there is no lapse in coverage.
  4. Give notification to your current company to cancel the current policy. Submit a signed application and payment to your new company or agent. Once received, keep the new proof of insurance certificate in an accessible location in your vehicle.

One piece of advice is that you use similar limits and deductibles on each quote and and to get prices from all possible companies. This enables the most accurate price comparison and a complete selection of prices.

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